Is this Possible?

[Amiashu12]

I got two alerts today. The experian score dropped 26 pts. The balance on one of your accounts has increased by $5 and other account has increased by $9. They are both capital one credit cards. Please explain. Thanks

[Anonymous]

Impossible to guess.  Is it an Experian FICO score (does it say FICO on it)?

Alerts may not have anything to do with what the update information says in regards to your score change.  We need more information on your overall credit profile.

[Amiashu12]

I have Experian Subscription as well. Both Experian Myfico Experian says fico8. 

Revolving and open accounts: Amex Authorized User, Capital one $5000 CL and Capital one silver $2500. Chase Card $728 as Charged-off. Citibank Charged-off $3233.American express Charged-off $2053. Installment Account: American honda finanaced Repo to Charged off $4293. late payment on 3 accounts. Collection:Exin $2597, Eastern Account system $400, Afni Att $402, Steller Rec paid collection, Portfolio Rec $762. 

[Revelate]

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@Amiashu12 wrote:

I have Experian Subscription as well. Both Experian Myfico Experian says fico8. 

Revolving and open accounts: Amex Authorized User, Capital one $5000 CL and Capital one silver $2500. Chase Card $728 as Charged-off. Citibank Charged-off $3233.American express Charged-off $2053. Installment Account: American honda finanaced Repo to Charged off $4293. late payment on 3 accounts. Collection:Exin $2597, Eastern Account system $400, Afni Att $402, Steller Rec paid collection, Portfolio Rec $762. 

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Were you going through disputes on any of those red tradelines?  All bets are off scoring wise if so, especially if the dispute triggered a re-report on a CO or something.

Do address the CO's when you can though, those are awful when it comes to scoring; actually I'd strongly suggest just focus on addressing the negatives right now, don't worry about what FICO 8 does in the short term.

[Amiashu12]

yes a credit repair company have disputed everything that was on my report. So after disputing, if the dispute triggered a re-report on a charge-off, does the balance remain $0 or it goes back to what i owe?